Lenders › Fairway Independent Mort Corp › California
Fairway Independent Mort Corp in California
HMDA record for properties in California, calendar year 2024. National record · California overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Fairway Independent Mort Corp's 2024 HMDA record for California covers 3,867 applications, 2,807 of them originated, worth $1.3bn.
Its denial rate in the state was 7.2%, below the California rate of 24.8% across all lenders and compared with the lender's national rate of 6.0%.
The median rate spread on its California originations was 0.4 percentage points (state median 0.4).
Applications in the state were down 20% on 2023.
Compared with the state and the lender's national record
| Measure | In California | California, all lenders | Fairway Independent Mort Corp, all states | United States |
|---|---|---|---|---|
| Denial rate | 7.2% | 24.8% | 6.0% | 24.3% |
| Median rate spread, pp | 0.4 | 0.4 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 3.4% | 19.9% | 5.0% | 15.6% |
| Average originated loan | $475k | $566k | $319k | $329k |
| Home purchase share | 86.0% | 51.2% | 91.1% | 57.0% |
| FHA-insured share | 19.7% | 11.4% | 22.0% | 13.4% |
| VA-guaranteed share | 7.5% | 4.8% | 8.3% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateCalifornia, all lenders
Loan purpose and loan type in California
By purpose
Home purchase 86% (2,414)Home improvement 1% (25)Refinancing 5% (152)Cash-out refinancing 5% (144)Other purpose 3% (72)
By type
Conventional 72% (2,035)FHA 20% (554)VA 8% (211)USDA 0% (7)
Denial reasons as coded
Share of 219 denials in California by first denial reason coded (outlined bar: all lenders in the state).
Counties in California
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| San Diego County | 584 | 407 | $257m | 7.4% |
| Los Angeles County | 542 | 374 | $273m | 8.7% |
| Riverside County | 437 | 322 | $134m | 6.6% |
| Butte County | 279 | 229 | $82m | 2.6% |
| San Bernardino County | 233 | 166 | $65m | 7.1% |
| Tuolumne County | 186 | 145 | $50m | 3.3% |
| Humboldt County | 183 | 140 | $49m | 4.1% |
| Sacramento County | 164 | 127 | $45m | 3.7% |
| Kern County | 118 | 82 | $24m | 7.8% |
| Orange County | 92 | 67 | $57m | 4.2% |
| Alameda County | 85 | 61 | $38m | 11.6% |
| Placer County | 67 | 50 | $22m | 7.4% |
| Contra Costa County | 57 | 50 | $25m | 5.7% |
| Tehama County | 64 | 49 | $13m | 10.7% |
| San Joaquin County | 62 | 46 | $18m | 9.8% |
| Shasta County | 60 | 44 | $12m | 0.0% |
| Plumas County | 55 | 44 | $10m | 4.3% |
| Merced County | 60 | 40 | $11m | 14.9% |
| Madera County | 40 | 33 | $9.8m | 5.6% |
| Del Norte County | 45 | 30 | $7.9m | 14.3% |
| Stanislaus County | 42 | 30 | $11m | 14.3% |
| Santa Clara County | 41 | 27 | $23m | 10.0% |
| Solano County | 34 | 27 | $11m | 6.9% |
| Ventura County | 33 | 23 | $13m | 11.1% |
| Fresno County | 38 | 21 | $5.4m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Fairway Independent Mort Corp originate in California in 2024?
2,807 loans totalling $1.3bn, from 3,867 applications reported for properties in California.
What is Fairway Independent Mort Corp's denial rate in California?
7.2% of decided applications in California were denied, against 24.8% for all lenders in the state and 6.0% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which California counties does Fairway Independent Mort Corp lend in most?
By originations: San Diego County (407), Los Angeles County (374), Riverside County (322), Butte County (229), San Bernardino County (166).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in California. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.